LTV · monthly repayment
▼ 0.50% · 3.625%
HK$82,933
−HK$5,200/mo
▼ 0.25% · 3.875%
HK$85,512
−HK$2,621/mo
Today · 4.125%
HK$88,133
baseline
▲ 0.50% · 4.625%
HK$93,496
+HK$5,363/mo
Deposit HK$18.18M · loan HK$18.18M · min. income ≈ HK$176,266/mo (50% DSR)
Upfront cash ≈ HK$19.73M (deposit + AVD stamp duty HK$1,545,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,262
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$94,736
−HK$2,510/mo
Today · 4.125%
HK$97,246
baseline
▲ 0.50% · 4.625%
HK$102,372
+HK$5,126/mo
Deposit HK$18.18M · loan HK$18.18M · min. income ≈ HK$194,492/mo (50% DSR)
Upfront cash ≈ HK$19.73M (deposit + AVD stamp duty HK$1,545,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,519
−HK$6,241/mo
▼ 0.25% · 3.875%
HK$102,615
−HK$3,145/mo
Today · 4.125%
HK$105,760
baseline
▲ 0.50% · 4.625%
HK$112,195
+HK$6,435/mo
Deposit HK$14.55M · loan HK$21.82M · min. income ≈ HK$211,520/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,545,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,714
−HK$5,982/mo
▼ 0.25% · 3.875%
HK$113,684
−HK$3,012/mo
Today · 4.125%
HK$116,696
baseline
▲ 0.50% · 4.625%
HK$122,847
+HK$6,151/mo
Deposit HK$14.55M · loan HK$21.82M · min. income ≈ HK$233,392/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,545,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,106
−HK$7,281/mo
▼ 0.25% · 3.875%
HK$119,717
−HK$3,670/mo
Today · 4.125%
HK$123,387
baseline
▲ 0.50% · 4.625%
HK$130,894
+HK$7,507/mo
Deposit HK$10.91M · loan HK$25.46M · min. income ≈ HK$246,774/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,545,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,167
−HK$6,978/mo
▼ 0.25% · 3.875%
HK$132,631
−HK$3,514/mo
Today · 4.125%
HK$136,145
baseline
▲ 0.50% · 4.625%
HK$143,321
+HK$7,176/mo
Deposit HK$10.91M · loan HK$25.46M · min. income ≈ HK$272,290/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,545,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,279
−HK$9,361/mo
▼ 0.25% · 3.875%
HK$153,922
−HK$4,718/mo
Today · 4.125%
HK$158,640
baseline
▲ 0.50% · 4.625%
HK$168,293
+HK$9,653/mo
Deposit HK$3.64M · loan HK$32.73M · min. income ≈ HK$317,280/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,545,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,071
−HK$8,973/mo
▼ 0.25% · 3.875%
HK$170,525
−HK$4,519/mo
Today · 4.125%
HK$175,044
baseline
▲ 0.50% · 4.625%
HK$184,270
+HK$9,226/mo
Deposit HK$3.64M · loan HK$32.73M · min. income ≈ HK$350,088/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,545,722 · Scale 2, in force from 26 Feb 2026)